| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILLIP DOWTY3 | 15616 COUNTRY TOAD 44 GOSHEN, IN 465268590 | EMC NATIONAL LIFE | $21K | — | $21K | 18.15% |
| SUPPLEMENTAL INS SVCS INC3 Filed as: SUPPLEMENTAL INSURANCE SERVICES | 115 E PLATT STREET MAQUOKETA, IA 520602337 | EMC NATIONAL LIFE | $2K | — | $2K | 1.97% |
| ROGER HARDIN3 Filed as: ROGER HARDIN INSURANCE INC | 578 237TH AVE DELMAR, IA 52037 | EMC NATIONAL LIFE | $15 | — | $15 | 0.01% |
| MELISSA HANKNER3 | 1001 BATTLES DR MAQUOKETA, IA 52060 | EMC NATIONAL LIFE | $10 | — | $10 | 0.01% |
| INSURANCE BENEFITS SERVICES3 | 429 S BLANCHE ST MOUNDS, IL 62964 | EMC NATIONAL LIFE | $4 | — | $4 | 0.00% |
| H ALLAN KENT3 | 3 WESTERN DR MILLSTADT, IL 62260 | EMC NATIONAL LIFE | $4 | — | $4 | 0.00% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | EMC NATIONAL LIFE | $4 | — | $4 | 0.00% |
| MICHAEL HILEMAN3 | 429 S BLANCHE ST MOUNDS, IL 62964 | EMC NATIONAL LIFE | $3 | — | $3 | 0.00% |
| SAMUEL PAPE3 | 1613 MEADOW RIDGE CT ANAMOSA, IA 52205 | EMC NATIONAL LIFE | $3 | — | $3 | 0.00% |
| BARNEY HANKNER3 | 1001 BATTLES DR MAQUOKETA, IA 52060 | EMC NATIONAL LIFE | $2 | — | $2 | 0.00% |
| COLE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | EMC NATIONAL LIFE | $2 | — | $2 | 0.00% |
| BRISSENDEN CONSULTANT SERVICES3 | 2105 REDBUD ST EFFINGHAM, IL 62401 | EMC NATIONAL LIFE | $1 | — | $1 | 0.00% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | EMC NATIONAL LIFE | $1 | — | $1 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | EMC NATIONAL LIFE | 562 | $118K |
| Other | EMC NATIONAL LIFE | 562 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.